Insurance for Residential Contractors in Texas

Homeowners will rely on your talents as a residential contractor to make their architectural dreams come true. You have the experience, skill, and knowledge to turn even the toughest remodeling projects into sublime kitchens or bathrooms. However, no matter how many years you’ve been in the residential contracting business, there are days when something could go wrong. It’s possible that, while you’re working, you could damage your client’s property or someone might get hurt due to an accident.

In situations like these, you might be held accountable for the losses, damage, and injuries incurred. You might also be brought to court for these reasons and shoulder the medical or burial fees of the affected parties. Covering these expenses out of your own pocket can financially burden you and your business. Thankfully, at Quote Texas, we can help protect your brand with the right insurance plan.

Contact Quote Texas if you’re looking for a trustworthy and reliable insurance company in Texas. We offer various kinds of insurance policies, but for your residential construction business, we recommend that you fortify your plan with the following:

Professional Liability Insurance

Professional liability insurance covers your legal defense, as well as the costs of any compensation that the court might order you to pay for claims, such as:

  • Mistakes rendered in your service
  • Committed negligence while delivering your service
  • You were unable to provide services that were advertised or promised

Commercial Auto Insurance

Should your commercial vehicle meet an unfavorable scenario, commercial auto insurance provides coverage for the following:

  • Damage due to collision related incidents
  • Damage due to non-collision related incidents (e.g. vandalism, theft, fire and flood damage, etc.)
  • Liabilities resulting from death, bodily injury, or damage to another person’s property
  • Personal injury or medical payments of the insured
  • Property damage or injury caused by hit-and-run-motorists or uninsured

Equipment and Tools Insurance

Equipment and tools insurance covers the repair and replacement of important and expensive equipment, whether it’s hired or owned. Some events that can damage your tools include:

  • Accidents
  • Fires, lightning strike, or explosions
  • Fraud, theft, and vandalism

Workers Compensation

If you have other people working under you, workers compensation insurance gives them security and peace of mind. This type of insurance provides them with the following benefits, which helps them and their families financially if ever your workers meet an unfortunate scenario:

  • Medical benefits
  • Death benefits
  • Burial benefits
  • Income benefits
  • Vocational rehabilitation benefits

Commercial Property Insurance

Commercial property insurance covers the cost of repairs and restoration work for all of the following, if ever your office encounters a disaster like a fire or a flood:

  • Equipment and inventory of goods
  • Fixtures and furniture
  • Building or structure of your office
  • Landscaping
  • Other people’s properties

Commercial General Liability Insurance

Should you be sued for injury or damage arising out of your business operations or the actions of your employees, commercial general liability insurance will cover the costs. This policy protects your business from possible financial burdens, such as:

  • Damage to other people’s property
  • Personal injury and advertising
  • Death and bodily injuries

Quote Texas has been creating insurance plans for different kinds of industries and properties since 2001. We offer comprehensive policies that fit any budget and offer quality service and customer care. All of our agents are familiar with the needs of each business and know exactly which coverage suits your plan.

You’ll have peace of mind knowing that Quote Texas has your back. Just contact us at 844-756-8684 and let’s start creating your insurance plan.